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MINT Credit Cards

MINT Loans

MINT Home Insurance

  • For any enquiries in relation to your current MINT Home Insurance policy please call 0345 246 2824, opening hours are Mon - Fri 8 - 8, Sat 9 - 4

MINT Motor Insurance

  • For any enquiries in relation to your current MINT Motor Insurance policy please call 0370 024 0138, opening hours are Mon - Fri 8 - 8, Sat 9 - 4

MINT Online Servicing

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MINT Credit Cards

Q: Can I withdraw cash using my MINT card?

A: Cash - in a flash.

Whether you're an early bird or a late night reveller, your MINT Card offers easy access to money. Visit any bank branch or cash machine displaying the MasterCard sign. To use a cash machine you'll need your PIN. Please note there is a small fee for withdrawing cash.

Q: What options do I have for making a payment to my MINT card?

A: Pick a route, any route. There are 4 easy ways to repay your account and the choice is yours.

  • By Direct Debit - the easiest way by far, and nothing to remember. Call MINT Customer Services to set it up or log onto your account and complete the form.
  • By phone - contact MINT Customer Service at any time and use your debit card. Simple. Please allow 2 working days for your payment to reach us.
  • At a bank or post office - any UK bank displaying the MasterCard or Visa symbol or any post office can take payments. Take along your statement, Bank Giro Credit slip and payment at least 4 working days before the payment is due. The service is free at any branch of The Royal Bank of Scotland or NatWest; other banks may charge a small fee.
  • By post - simply make your cheque payable to "MINT", and send it to us with your completed Bank Giro Credit slip in the envelope provided with your statement. Please send payments first class to our payment address at least 7 working days before the due date. Please don't send cash.

If you need further help please contact MINT Customer Service.

Q: How do I transfer cash to my bank account?

A: Cash when you need it with our Money Transfer Service.

With our Money Transfer service you can transfer cash directly from your MINT Card to any UK bank account over the phone, giving you convenient access to cash when you need it to spend however you want.

The primary cardholder is the only person on the account who can conduct a Money Transfer, even though the cash can be transferred to any bank account.

To conduct a Money Transfer or to find out more information, just call MINT Customer Service.

Q: How long does a money / balance transfer take?

A: Money / Balance transfers complete within 1 working day.

Q: What are the rates of interest for MINT Card?

A: For our current interest rates for your MINT card please refer to your statement and/or your credit agreement.

Q: How do you work out my credit limit?

A: Your credit limit is set by us when you open your account and we review it regularly. We'll always let you know when there are changes to your credit limit.

You can ask to review your credit limit by calling 0370 410 0870.

You can transfer balances from other credit and storecards and purchase goods and services up to your available limit. For cash advances (or traveller's cheques, foreign currency) or even to make transfers from your credit card to a bank account) you can use up to 50% of your credit limit.

Q: Can I use my MINT card abroad?

A: Going global with your MINT Card!

Absolutely want that Persian carpet? Or how about a pina colada in Hawaii? Use your MINT Card. Transactions abroad are made in the local currency but will appear in pounds sterling on your statement. When the sales voucher reaches us in the UK, the Payment Scheme Exchange Rate on that day will be used to convert the amount. Please note a small percentage is added to cover the Non Sterling Transaction Fee.

If you have a question regarding a foreign transaction then call MINT Customer Services.

Q: How do I cancel my card / close my account?

A: You don't have to use your MINT Card to keep your account open - even if you don't use it for a while. To discuss your options or to cancel your card call us on 0370 410 0870 (Textphone 0870 151 1192).

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What are the payment times for my card?

Payment execution times

Payments from a MINT Credit Card (excluding purchases) will be executed within 1 working day unless circumstances occur which are beyond our reasonable control and prevent this. Please note that other financial institutions may be involved in processing these payments, for example, when the account of the recipient of a payment is held with a different financial institution. We are not responsible for, nor can we control, other institutions' timescales in processing payments.

We calculate the execution time from the date we receive payment instructions, not the date that they are sent (unless we specifically agree otherwise).

For purchases, we will debit a credit card account with a payment on the same day that we receive the payment instruction from the merchant through the card scheme.

Payments to a MINT Credit Card

Below are the different ways that a MINT Credit Card bill can be paid, and the time to allow for each payment method.

Payment method Time to allow How
Direct Debit
  • Minimum/Fixed amount - payment is claimed 25 calendar days from statement date or shortly afterwards.
  • Full amount - payment is claimed 15 calendar days from statement date or shortly afterwards.
  • You can set up a monthly Direct Debit for a minimum, full or fixed amount over the phone or via MINT Credit Card Online Servicing.
  • To register for MINT Credit Card Online Services simply visit www.mint.co.uk/cardservicing and follow the on-screen instructions.
  • Alternatively, call your relevant customer service number, Contact Us or on the reverse of your card.
Payment by debit card over the phone
  • 2 working days for debit card payments.
  • Call your relevant customer service number, Contact Us or on the reverse of your card.
Online Payments
  • 2 working days for debit card payments.
At a branch of any bank (some banks may charge for this)
  • 4 full working days (cash and cheques).
  • If paying by cheque, funds must be cleared before payment is accepted.
  • Complete the bank giro credit slip attached to your paper statement and take it, with your payment, to any bank displaying the Mastercard or Visa logo.
By Post (cheques should be sent to The MINT, Milton Keynes MK77 1QA)
  • 7 full working days.
  • Funds must be cleared before payment is accepted.
  • Cheques should be payable to MINT (please write your card number after MINT on the payee line).
  • Send cheque and completed bank giro credit slip.
  • Cheques shouldn't be post dated. If payment is received using a post dated cheque we accept no responsibility for loss of interest or charges incurred.
Other Banks' Online and Telephone Banking Services
  • 2 hours for Faster Payments.
  • 3 full working days for other payments.
  • Please quote your credit card number and sort code (both found on bank giro credit slip).
  • If a bank account number is requested, please quote 00000000.
  • Please note: you cannot use these details for a Chaps payment.

Working days excludes weekends and bank holidays.

Faster Payments

The Faster Payments service allows participating banks to provide same day processing of electronic payments such as funds transfer, bill payments and standing orders. This means that payments to your MINT credit card made on the Internet or by telephone will usually be applied to your available funds within 2 hours regardless of when the request is received. Payments may take longer to appear on your account (generally within 2 days) but will be back dated to the date the payment is made.

Direct Debits

If a Direct Debit is set up to claim the full statement balance, any additional payments or refunds that reach your account up to 6 working days before the due date will reduce or cancel out the amount claimed by the Direct Debit. For Direct Debits set up to pay a fixed monthly amount, this amount will always be claimed unless it is less than the minimum payment or more than the full statement balance, in which case it will increase or decrease accordingly to take the relevant amount (however, in these circumstances additional payments or refunds that reach your account less than 6 working days before the payment is due will not reduce the Direct Debit amount claimed). Direct Debits claiming the minimum amount will not be affected by any additional payments.

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MINT Loans

Q: How do I apply for a new loan?

A: We're sorry, MINT are not currently taking new loan applications.

If you already have a loan account with MINT we're here to help with any questions about your account.

You can get in touch with us by phone on 0800 121 122.

(Lines open 8am-7pm Mon-Fri and 9am-5pm Sat. Closed Sundays and Bank Holidays).

Q: I want to apply for a loan but can't. Can you send me out an application form?

A: We're sorry, MINT are not currently taking new loan applications.

If you already have a loan account with MINT we're here to help with any questions about your account.

You can get in touch with us by phone on 0800 121 122.

(Lines open 8am-7pm Mon-Fri and 9am-5pm Sat. Closed Sundays and Bank Holidays).

Q: I would like to apply for another MINT loan/borrow more?

A: We're sorry, MINT are not currently taking new loan applications.

If you already have a loan account with MINT we're here to help with any questions about your account.

You can get in touch with us by phone on 0800 121 122.

(Lines open 8am-7pm Mon-Fri and 9am-5pm Sat. Closed Sundays and Bank Holidays).

Q: Do you offer payment holidays?

A: Because our repayments are fixed for the period of your loan, we do not offer payment holidays.

Q: Can I make overpayments?

A: Because your repayments are fixed for the period of your loan, it is not possible to make overpayments.

Q: What happens if I'm late with a payment?

A: You should contact us as soon as possible on 0800 121 122. Depending on how late your payment is, there could be an impact on your credit history.

Q: What happens if I can't make my repayments?

A: If you are having financial difficulties please contact us as soon as possible. If your repayments are protected with our Loan Payment Protection plan then your repayments can be covered in the event of sickness, accident, unemployment*, major illness and death.

*Premier and Classic cover only.

Q: I have changed my name/address. Who do I need to inform?

A: In order to make changes to your loan account we are required to do a security check, which we can only do by speaking directly to you. Please call us on 0800 121 122 and one of our advisers will be happy to change your personal details.

Our lines are open 8am-7pm Monday to Friday and 9am-5pm Saturday. (Closed Sundays and Bank Holidays).

Q: How can I find out how much is outstanding on my loan?

A: In order to find out your outstanding balance, we are required to do a security check, which we can only do by speaking directly to you. Please call us on 0800 121 122 and one of our advisers will be happy to provide you with the detail you require.

Our lines are open 8am-7pm Monday to Friday and 9am-5pm Saturday. (Closed Sundays and Bank Holidays).

Q: What if I want to pay the loan back early?

A: You can pay your MINT Loan back in full at any time, but there will be a charge of one months' interest.

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MINT Home Insurance

For any enquiries in relation to your current MINT Home Insurance policy please call 0345 246 2824, opening hours are Mon - Fri 8 - 8, Sat 9 - 4.

MINT Motor Insurance

For any enquiries in relation to your current MINT Motor Insurance policy please call 0370 024 0138, opening hours are Mon - Fri 8 - 8, Sat 9 - 4.

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MINT Online Servicing

Q: What is phishing?

A: Phishing is a technique that attempts to trick people, in the hope they will reveal their security details.

It usually starts with a fake email. This asks for security details or directs customers to a counterfeit site. 'Phished' information is then used to commit fraud.

If you receive an email that asks for your security details, do not reply or follow instructions. Instead, please forward the email to phishing@rbs.co.uk.

For further information on how to protect yourself online please click here.

Q: How can I contact you?

A: Please use the 'Contact Us' option available on all pages.

Q: What is my User ID, PIN and Password and when do I get them?

A: You will create your User ID, Internet PIN and Password at registration. You will have immediate access to your account with restricted functionality. We will then send you a Mailer Authentication Code (MAC), which you should enter at your next login. This will give you full access to the service.

Q: Why have I lost access to the service?

A: You must enter your MAC within 30 days of first registering for the service. If you have not received your MAC or misplaced it, please go to Contact Us. If you have locked yourself out, please follow the on-screen instructions.

Q: When did I register my mother's maiden name/password?

A: You will have created this when you applied for your credit card account. If you cannot remember this, please click on Contact Us.

Q: I've registered. Why can't I sign on?

A: There are three possibilities:

  1. You entered your user name and password or PIN incorrectly. User names and passwords are alphanumeric-case sensitive. If you forget your user name or password, follow the on-screen options
  2. You tried to sign on three times in a row with the incorrect user name PIN or password. In this case, you are locked out of the system. See Contact Us.
  3. There are problems with your Internet connection or with our system. Please follow on screen instructions or try again later.

Q: I forgot my password. Who do I contact for help?

A: If you do not remember your password, in the first instance follow the on screen instructions as through re confirming the answers you gave to our prescribed questions at registration, you can unlock yourself. If you are still unable to access the service, see Contact Us.

Q: How much time should I allow for my online payment to be credited?

A: You should allow four business days for your payment to reach your credit card account.

Q: How should I make a payment online?

A: You can make a payment at any time. If you make a payment on a non business day then the payment will not be debited from your bank account until the next business day. You should allow 4 working days for payment to be received. To make the payment, use the Pay Bills function. You cannot use the Bank Giro payment slip at the bottom of your eStatement as this cannot be processed.

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